$14.17

-0.03 (-0.21%)

Weekly Expected Move ±2.4%

$13 $14 $14 $14 $15

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Buy · Power 70 · $591.8M mcap · 40M float · 0.672% daily turnover · Short 54% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NO EDGE

38.2 / 100

NoneWeakNarrowWide

Primary source: Switching Costs · ROIC: 1.6% · 5Y Avg: -30.8%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. NFBK has No discernible competitive edge (38.2/100). The business operates without significant structural advantages. The primary source of advantage is Switching Costs. ROIC of 1.6% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Low

$14

Avg Target

$14

High

Based on 1 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 2Hold: 7Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$14.50

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-02-06	New Street	—	Initiated	$14	—	+6.8%	$13.58

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

C+

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. NFBK receives an overall rating of C+. Areas of concern: ROE (2/5), ROA (2/5), D/E (1/5), P/E (1/5).

Rating Change History

Date	From	To
2026-05-04	B-	C+
2026-05-01	C+	B-
2026-04-30	B-	C+
2026-04-01	C+	B-
2026-03-03	C	C+
2026-02-11	C+	C
2026-02-04	B	C+
2026-01-16	B+	B
2026-01-03	B-	B+

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 42 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. NFBK scores highest in Earnings Quality (90/100) and lowest in Growth (24/100). An overall grade of A places NFBK among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

3.15

Safe Zone

Piotroski F-Score

8/9

✓ ✓ ✗ ✓ ✓ ✓ ✓ ✓ ✓

Beneish M-Score

-2.70

Unlikely Manipulator

Ohlson O-Score

-3.95

Bankruptcy prob: 1.9%

Low Risk

Credit Rating

Score: 41.0/100

Trend: Deteriorating

Earnings Quality

100/100

OCF/NI: 13.45x

Accruals: -1.0%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. NFBK scores 3.15, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. NFBK scores 8/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. NFBK's score of -2.70 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. NFBK's implied 1.9% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. NFBK receives an estimated rating of BB (score: 41.0/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). NFBK's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

118.36x

PEG

-1.40x

P/S

2.23x

P/B

0.81x

P/FCF

8.64x

P/OCF

8.44x

EV/EBITDA

4.19x

EV/Revenue

0.40x

EV/EBIT

5.46x

EV/FCF

1.72x

Earnings Yield

0.88%

FCF Yield

11.58%

Shareholder Yield

4.75%

Graham Number

$6.81

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 118.4x earnings, NFBK is priced for high growth expectations. Graham's intrinsic value formula yields $6.81 per share, 108% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.206

NI / EBT

Interest Burden

1.173

EBT / EBIT

EBIT Margin

0.074

EBIT / Rev

Asset Turnover

0.047

Rev / Assets

Equity Multiplier

8.188

Assets / Equity

ROE

0.7%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. NFBK's ROE of 0.7% is driven by financial leverage (equity multiplier: 8.19x). Note: high leverage means ROE is amplified by debt rather than operational performance. A tax burden ratio of 0.21 suggests the company retains less than 60% of pre-tax earnings after taxes.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

0.00%

Fair P/E

8.50x

Intrinsic Value

$1.01

Price/Value

13.35x

Margin of Safety

-1235.17%

Premium

1235.17%

Assessment

Overvalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with NFBK's realized 0.0% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. NFBK trades at a 1235% premium to its adjusted intrinsic value of $1.01, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 8.5x compares to the current market P/E of 118.4x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$14.17

Median 1Y

$13.89

5th Pctile

$7.52

95th Pctile

$25.59

Ann. Volatility

35.0%

25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Steven M. Klein, President and Chief Executive Officer	$749,086	$436,808	$1,477,009
William R. Jacobs, Executive Vice President and Chief Financial Officer	$417,784	$203,004	$764,070
David V. Fasanella Executive Vice President and Chief Lending Officer	$396,164	$192,489	$719,234
Robin Lefkowitz, Branch ive Vice President and Chief Branch Administration, Deposit Operations and Business Development Officer	$347,491	$167,759	$653,072
Vickie Tomasello, Risk utive Vice President and Chief Risk Officer	$334,510	$162,488	$577,956

CEO Pay Ratio

Insufficient data for pay ratio.

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

—

-100.0% YoY

Revenue / Employee

—

Rev: $184,250,000

Profit / Employee

—

NI: $796,000

SGA / Employee

—

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	8.3%	9.3%	9.5%	8.9%	8.3%	8.4%	8.5%	8.1%	7.3%	6.0%	5.4%	4.6%	4.1%	3.8%	4.3%	4.5%	5.0%	5.6%	0.1%	0.7%	0.68%
ROA	1.1%	1.3%	1.3%	1.2%	1.1%	1.2%	1.1%	1.1%	0.9%	0.8%	0.7%	0.6%	0.5%	0.5%	0.5%	0.6%	0.6%	0.7%	0.0%	0.1%	0.08%
ROIC	1.7%	1.9%	-72.2%	-67.6%	-63.6%	-64.5%	15.7%	15.1%	13.5%	11.2%	7.0%	6.0%	5.3%	5.0%	15.3%	16.1%	18.0%	20.1%	0.3%	1.6%	1.58%
ROCE	6.2%	7.0%	8.3%	7.7%	7.3%	7.4%	6.1%	5.9%	5.2%	4.3%	3.1%	2.6%	2.4%	2.2%	2.7%	2.8%	3.1%	3.5%	1.0%	1.1%	1.13%
Gross Margin	98.2%	91.4%	92.4%	90.4%	91.3%	87.7%	79.1%	69.9%	63.5%	57.4%	55.8%	49.6%	50.8%	46.3%	49.6%	50.9%	55.1%	56.2%	58.7%	58.8%	58.76%
Operating Margin	57.0%	49.5%	47.5%	46.5%	49.7%	47.9%	37.9%	30.5%	24.2%	20.2%	19.4%	13.7%	14.5%	14.1%	22.0%	17.1%	20.7%	21.9%	-32.8%	21.4%	21.39%
Net Margin	41.1%	35.9%	34.9%	33.7%	35.9%	34.3%	27.2%	22.0%	17.5%	14.9%	14.2%	10.0%	9.4%	10.4%	17.8%	12.5%	14.3%	15.9%	-40.1%	18.8%	18.83%
EBITDA Margin	61.4%	54.2%	52.2%	51.5%	54.6%	52.0%	41.9%	34.4%	28.1%	24.1%	23.1%	17.2%	17.8%	17.4%	25.2%	20.3%	23.7%	24.8%	-29.9%	21.4%	21.39%
FCF Margin	27.0%	35.0%	33.8%	34.5%	44.0%	42.4%	43.0%	39.5%	29.4%	25.7%	19.6%	13.1%	14.4%	15.0%	11.9%	14.0%	16.6%	16.2%	19.6%	23.5%	23.54%
OCF Margin	28.5%	36.5%	34.7%	35.5%	45.3%	43.8%	44.4%	40.9%	30.6%	26.9%	21.3%	14.6%	15.6%	16.0%	12.4%	14.4%	17.0%	16.7%	20.2%	24.1%	24.09%
ROE 3Y Avg	snapshot only																				3.26%
ROE 5Y Avg	snapshot only																				5.42%
ROA 3Y Avg	snapshot only																				0.41%
ROIC Economic	snapshot only																				0.24%
Cash ROA	snapshot only																				1.11%
Cash ROIC	snapshot only																				24.91%
CROIC	snapshot only																				24.34%
NOPAT Margin	snapshot only																				1.53%
Pretax Margin	snapshot only																				8.70%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				24.76%
SBC / Revenue	snapshot only																				1.13%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	11.10	10.23	9.13	8.64	8.34	9.03	10.23	7.90	8.18	8.35	12.99	11.78	12.99	16.70	15.17	13.61	12.77	11.74	571.75	113.49	118.363
P/S Ratio	3.56	3.68	3.45	3.16	2.93	3.13	3.33	2.33	2.05	1.70	2.22	1.65	1.56	1.83	1.81	1.70	1.76	1.77	1.71	2.03	2.226
P/B Ratio	0.88	0.92	0.87	0.77	0.70	0.77	0.89	0.66	0.61	0.52	0.70	0.54	0.53	0.64	0.64	0.61	0.64	0.66	0.66	0.78	0.812
P/FCF	13.20	10.52	10.22	9.15	6.66	7.38	7.74	5.90	6.96	6.59	11.29	12.58	10.81	12.16	15.16	12.17	10.57	10.92	8.73	8.64	8.638
P/OCF	12.49	10.10	9.96	8.90	6.47	7.15	7.51	5.69	6.70	6.31	10.42	11.33	10.01	11.41	14.60	11.85	10.34	10.66	8.48	8.44	8.439
EV/EBITDA	-0.56	-0.26	-1.83	-2.68	-3.39	-2.80	3.35	1.67	1.42	0.74	5.40	4.09	4.27	6.17	-1.11	-1.54	-1.05	-0.74	0.89	4.19	4.191
EV/Revenue	-0.27	-0.14	-1.03	-1.47	-1.80	-1.47	1.66	0.76	0.55	0.24	1.48	0.94	0.87	1.16	-0.22	-0.31	-0.23	-0.17	0.08	0.40	0.405
EV/EBIT	-0.62	-0.28	-1.98	-2.93	-3.73	-3.08	3.68	1.84	1.58	0.84	6.29	4.89	5.18	7.55	-1.34	-1.83	-1.23	-0.85	1.30	5.46	5.459
EV/FCF	-1.00	-0.39	-3.05	-4.27	-4.10	-3.47	3.86	1.91	1.87	0.92	7.51	7.15	6.04	7.73	-1.81	-2.22	-1.38	-1.07	0.43	1.72	1.719
Earnings Yield	9.0%	9.8%	11.0%	11.6%	12.0%	11.1%	9.8%	12.7%	12.2%	12.0%	7.7%	8.5%	7.7%	6.0%	6.6%	7.3%	7.8%	8.5%	0.2%	0.9%	0.88%
FCF Yield	7.6%	9.5%	9.8%	10.9%	15.0%	13.5%	12.9%	16.9%	14.4%	15.2%	8.9%	7.9%	9.3%	8.2%	6.6%	8.2%	9.5%	9.2%	11.5%	11.6%	11.58%
Price/Tangible Book	snapshot only																				0.783
EV/OCF	snapshot only																				1.680
EV/Gross Profit	snapshot only																				0.708
Acquirers Multiple	snapshot only																				5.459
Shareholder Yield	snapshot only																				4.75%
Graham Number	snapshot only																				$6.81

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.33	0.33	0.31	0.31	0.31	0.31	0.24	0.24	0.24	0.24	0.27	0.27	0.27	0.27	0.31	0.31	0.31	0.31	0.36	0.36	0.360
Quick Ratio	0.33	0.33	0.31	0.31	0.31	0.31	0.24	0.24	0.24	0.24	0.27	0.27	0.27	0.27	0.31	0.31	0.31	0.31	0.36	0.36	0.360
Debt/Equity	0.84	0.84	0.62	0.62	0.62	0.62	0.98	0.98	0.98	0.98	1.23	1.23	1.23	1.23	1.08	1.08	1.08	1.08	1.44	1.44	1.437
Net Debt/Equity	-0.95	-0.95	-1.13	-1.13	-1.13	-1.13	-0.45	-0.45	-0.45	-0.45	-0.23	-0.23	-0.23	-0.23	-0.72	-0.72	-0.72	-0.72	-0.63	-0.63	-0.627
Debt/Assets	0.12	0.12	0.09	0.09	0.09	0.09	0.12	0.12	0.12	0.12	0.15	0.15	0.15	0.15	0.13	0.13	0.13	0.13	0.17	0.17	0.172
Debt/EBITDA	6.96	6.26	4.37	4.64	4.91	4.83	7.34	7.60	8.43	9.98	14.28	16.37	17.74	18.61	15.58	14.92	13.68	12.37	39.64	38.62	38.620
Net Debt/EBITDA	-7.87	-7.09	-7.93	-8.42	-8.90	-8.76	-3.36	-3.48	-3.86	-4.57	-2.72	-3.11	-3.37	-3.54	-10.42	-9.98	-9.15	-8.28	-17.31	-16.86	-16.863
Interest Coverage	3.38	4.83	5.83	6.03	6.15	5.64	3.97	2.47	1.45	0.88	0.62	0.44	0.36	0.32	0.33	0.35	0.40	0.46	0.15	0.18	0.180
Equity Multiplier	7.31	7.31	7.34	7.34	7.34	7.34	7.99	7.99	7.99	7.99	8.00	8.00	8.00	8.00	8.04	8.04	8.04	8.04	8.34	8.34	8.338
Cash Ratio	snapshot only																				0.355
Debt Service Coverage	snapshot only																				0.235
Cash to Debt	snapshot only																				1.437
FCF to Debt	snapshot only																				0.063
Defensive Interval	snapshot only																				3986.5 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.04	0.04	0.03	0.03	0.03	0.03	0.03	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.047
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	12.80	12.82	12.76	12.37	12.10	12.43	11.73	12.44	13.08	13.41	12.29	12.78	13.26	13.70	13.38	13.44	13.64	13.90	13.58	13.56	13.565
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	29	28	29	30	30	29	31	29	28	27	30	29	28	27	27	27	27	26	27	27	26.9 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle	29	28	29	30	30	29	31	29	28	27	30	29	28	27	27	27	27	26	27	27	—
Fixed Asset Turnover	snapshot only																				5.814
Cash Velocity	snapshot only																				0.187
Capital Intensity	snapshot only																				21.645

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	2.8%	4.7%	4.0%	-1.9%	-5.6%	-3.2%	0.5%	10.0%	18.2%	18.0%	17.6%	15.3%	13.7%	14.7%	13.9%	10.0%	7.7%	6.1%	5.9%	5.3%	5.32%
Net Income	55.7%	98.6%	91.0%	29.3%	3.4%	-6.7%	-13.5%	-11.2%	-15.8%	-30.9%	-38.4%	-45.2%	-45.5%	-38.2%	-20.5%	-1.8%	23.3%	46.6%	-97.3%	-84.9%	-84.93%
EPS	48.0%	1.1%	1.0%	36.3%	9.4%	-2.2%	-9.9%	-6.9%	-10.6%	-25.6%	-34.0%	-41.9%	-42.9%	-35.5%	-17.1%	1.8%	28.8%	51.5%	-97.3%	-84.6%	-84.55%
FCF	-12.8%	49.0%	22.6%	3.6%	54.0%	17.4%	28.0%	25.8%	-21.0%	-28.4%	-46.3%	-61.6%	-44.2%	-33.1%	-30.9%	17.2%	23.9%	14.8%	74.1%	77.1%	77.12%
EBITDA	49.7%	83.5%	79.9%	27.0%	3.1%	-5.6%	-11.7%	-9.5%	-13.7%	-28.2%	-35.4%	-41.6%	-40.2%	-32.6%	-19.1%	-3.1%	14.5%	32.7%	-48.7%	-49.6%	-49.61%
Op. Income	58.0%	1.0%	94.2%	31.0%	4.0%	-6.0%	-12.6%	-10.3%	-14.9%	-30.9%	-39.0%	-46.0%	-45.0%	-37.0%	-21.8%	-2.9%	18.6%	40.9%	-57.9%	-53.9%	-53.92%
OCF Growth	snapshot only																				76.48%
Asset Growth	snapshot only																				1.55%
Equity Growth	snapshot only																				-2.08%
Debt Growth	snapshot only																				30.45%
Shares Change	snapshot only																				-2.44%
Dividend Growth	snapshot only																				-2.79%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	8.0%	7.1%	6.3%	3.9%	2.3%	1.7%	1.4%	3.4%	4.7%	6.2%	7.1%	7.5%	8.3%	9.4%	10.4%	11.7%	13.1%	12.8%	12.3%	10.1%	10.13%
Revenue 5Y	9.0%	7.8%	6.7%	5.4%	4.8%	5.0%	5.4%	6.5%	7.1%	7.0%	7.3%	7.3%	7.5%	7.3%	6.9%	7.0%	7.0%	7.8%	8.2%	7.6%	7.58%
EPS 3Y	27.9%	32.4%	20.2%	20.0%	20.5%	17.0%	16.1%	19.5%	13.1%	14.8%	6.4%	-9.7%	-17.7%	-22.3%	-21.0%	-18.1%	-13.1%	-10.1%	-75.4%	-55.0%	-54.97%
EPS 5Y	21.7%	22.1%	21.3%	15.2%	13.0%	13.0%	19.7%	19.4%	15.4%	11.1%	0.6%	-1.4%	-2.2%	-5.1%	-3.1%	0.2%	1.2%	8.1%	-51.3%	-35.0%	-35.02%
Net Income 3Y	29.8%	33.5%	20.8%	19.8%	20.0%	16.3%	15.0%	17.7%	10.7%	8.6%	0.6%	-14.3%	-22.0%	-26.4%	-24.9%	-21.8%	-17.3%	-14.5%	-76.5%	-56.7%	-56.71%
Net Income 5Y	23.6%	23.5%	22.0%	15.3%	12.9%	12.7%	19.8%	18.4%	13.8%	8.9%	-1.2%	-3.5%	-4.5%	-7.6%	-5.7%	-2.6%	-1.8%	3.0%	-53.6%	-37.8%	-37.79%
EBITDA 3Y	18.1%	22.7%	25.8%	23.6%	22.0%	17.6%	14.6%	16.6%	10.0%	7.5%	0.9%	-12.4%	-19.0%	-23.0%	-22.7%	-20.0%	-16.1%	-13.7%	-35.5%	-34.2%	-34.18%
EBITDA 5Y	20.3%	20.3%	19.2%	14.3%	12.4%	12.1%	11.0%	10.3%	8.0%	4.6%	2.6%	-0.0%	-1.3%	-4.7%	-4.7%	-2.1%	-1.8%	2.2%	-15.7%	-20.0%	-20.00%
Gross Profit 3Y	11.8%	13.0%	14.7%	12.8%	11.4%	10.2%	8.8%	11.2%	8.9%	5.9%	1.8%	-5.2%	-8.7%	-10.3%	-11.2%	-9.6%	-7.1%	-5.5%	-3.3%	-2.2%	-2.15%
Gross Profit 5Y	10.6%	9.9%	9.3%	7.8%	6.7%	6.9%	6.5%	6.5%	5.6%	3.9%	3.1%	1.9%	1.6%	0.3%	-0.5%	1.1%	1.3%	2.6%	2.7%	0.0%	0.01%
Op. Income 3Y	16.6%	21.7%	25.0%	23.5%	22.7%	18.7%	17.0%	19.5%	11.9%	9.6%	1.1%	-14.1%	-21.3%	-25.8%	-25.3%	-22.2%	-17.8%	-15.1%	-41.4%	-37.7%	-37.73%
Op. Income 5Y	20.4%	20.6%	19.5%	14.1%	11.9%	11.6%	10.4%	9.6%	7.0%	3.2%	0.8%	-1.8%	-2.9%	-6.2%	-5.2%	-2.2%	-1.8%	3.1%	-19.4%	-22.3%	-22.27%
FCF 3Y	2.2%	10.6%	8.1%	10.8%	25.8%	23.7%	19.3%	16.7%	2.0%	7.8%	-5.6%	-20.6%	-12.1%	-17.5%	-22.0%	-17.3%	-18.2%	-18.1%	-13.6%	-7.3%	-7.30%
FCF 5Y	11.3%	16.6%	11.4%	8.8%	11.9%	10.3%	14.2%	11.7%	5.4%	2.6%	-2.8%	-8.1%	-2.6%	-1.9%	-8.8%	-6.5%	-6.0%	-0.8%	0.3%	0.8%	0.76%
OCF 3Y	2.5%	10.1%	7.0%	9.5%	23.3%	21.4%	17.7%	15.1%	1.5%	7.3%	-4.9%	-18.9%	-11.4%	-16.9%	-21.7%	-17.3%	-18.4%	-18.3%	-13.6%	-7.7%	-7.71%
OCF 5Y	12.1%	17.0%	11.4%	9.0%	12.0%	10.5%	13.8%	11.4%	5.2%	2.4%	-2.3%	-7.3%	-2.8%	-2.4%	-9.5%	-7.5%	-6.6%	-1.4%	-0.3%	0.4%	0.40%
Assets 3Y	11.4%	11.4%	7.2%	7.2%	7.2%	7.2%	3.5%	3.5%	3.5%	3.5%	0.5%	0.5%	0.5%	0.5%	1.4%	1.4%	1.4%	1.4%	0.9%	0.9%	0.90%
Assets 5Y	11.5%	11.5%	7.1%	7.1%	7.1%	7.1%	7.0%	7.0%	7.0%	7.0%	4.9%	4.9%	4.9%	4.9%	2.3%	2.3%	2.3%	2.3%	0.9%	0.9%	0.85%
Equity 3Y	5.7%	5.7%	3.5%	3.5%	3.5%	3.5%	0.3%	0.3%	0.3%	0.3%	-2.5%	-2.5%	-2.5%	-2.5%	-1.6%	-1.6%	-1.6%	-1.6%	-0.5%	-0.5%	-0.54%
Book Value 3Y	4.1%	4.8%	3.1%	3.7%	4.0%	4.1%	1.2%	1.8%	2.4%	6.0%	3.1%	2.8%	2.9%	3.1%	3.4%	3.1%	3.4%	3.5%	4.2%	3.5%	3.45%
Dividend 3Y	2.2%	3.2%	3.7%	4.8%	2.9%	1.4%	0.7%	0.1%	0.6%	4.0%	3.7%	3.1%	3.3%	3.8%	3.6%	3.5%	3.9%	4.1%	3.7%	3.0%	3.04%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.98	0.98	0.92	0.87	0.76	0.82	0.82	0.86	0.78	0.85	0.89	0.86	0.79	0.77	0.75	0.82	0.81	0.87	0.90	0.95	0.946
Earnings Stability	0.77	0.63	0.70	0.78	0.80	0.67	0.73	0.85	0.72	0.36	0.10	0.04	0.00	0.02	0.04	0.10	0.22	0.14	0.50	0.74	0.741
Margin Stability	0.88	0.88	0.87	0.87	0.86	0.87	0.87	0.88	0.87	0.85	0.83	0.82	0.80	0.77	0.75	0.74	0.75	0.76	0.77	0.76	0.764
Rev. Growth Consistency	1.00	1.00	0.50	0.00	0.00	0.00	1.00	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	1.00	0.50	0.50	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.00	0.00	0.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.50	0.88	0.99	0.97	0.95	0.96	0.94	0.88	0.85	0.82	0.82	0.85	0.92	0.99	0.91	0.81	0.50	0.50	0.500
Earnings Smoothness	0.56	0.34	0.37	0.74	0.97	0.93	0.86	0.88	0.83	0.63	0.53	0.42	0.41	0.53	0.77	0.98	0.79	0.62	0.00	0.00	0.000
ROE Trend	0.02	0.04	0.04	0.03	0.02	0.02	0.01	0.01	-0.01	-0.03	-0.04	-0.04	-0.04	-0.04	-0.03	-0.02	-0.01	0.01	-0.05	-0.04	-0.039
Gross Margin Trend	0.20	0.22	0.23	0.19	0.14	0.11	0.04	-0.06	-0.15	-0.24	-0.29	-0.31	-0.30	-0.28	-0.25	-0.20	-0.13	-0.06	0.00	0.04	0.043
FCF Margin Trend	-0.01	0.11	0.06	0.04	0.15	0.13	0.12	0.06	-0.06	-0.13	-0.19	-0.24	-0.22	-0.19	-0.19	-0.12	-0.05	-0.04	0.04	0.10	0.100
Sustainable Growth Rate	5.1%	6.1%	6.2%	5.5%	5.0%	5.2%	5.1%	4.8%	4.0%	2.8%	2.1%	1.4%	0.9%	0.7%	1.2%	1.4%	2.0%	2.6%	-2.9%	-2.3%	-2.33%
Internal Growth Rate	0.7%	0.8%	0.9%	0.8%	0.7%	0.7%	0.7%	0.6%	0.5%	0.4%	0.3%	0.2%	0.1%	0.1%	0.1%	0.2%	0.2%	0.3%	—	—	—

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	0.89	1.01	0.92	0.97	1.29	1.26	1.36	1.39	1.22	1.32	1.25	1.04	1.30	1.46	1.04	1.15	1.24	1.10	67.46	13.45	13.448
FCF/OCF	0.95	0.96	0.97	0.97	0.97	0.97	0.97	0.96	0.96	0.96	0.92	0.90	0.93	0.94	0.96	0.97	0.98	0.98	0.97	0.98	0.977
FCF/Net Income	snapshot only																				13.139
OCF/EBITDA	snapshot only																				2.495
CapEx/Revenue	1.5%	1.5%	0.9%	0.9%	1.3%	1.4%	1.4%	1.5%	1.2%	1.1%	1.6%	1.4%	1.1%	1.0%	0.5%	0.4%	0.4%	0.4%	0.6%	0.6%	0.55%
CapEx/Depreciation	snapshot only																				0.247
Accruals Ratio	0.00	-0.00	0.00	0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.01	-0.01	-0.010
Sloan Accruals	snapshot only																				0.048
Cash Flow Adequacy	snapshot only																				2.845
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	3.4%	3.4%	3.8%	4.4%	4.8%	4.3%	3.9%	5.2%	5.5%	6.4%	4.7%	5.9%	6.0%	4.9%	4.8%	5.0%	4.8%	4.6%	4.6%	3.9%	3.67%
Dividend/Share	$0.47	$0.49	$0.51	$0.53	$0.53	$0.53	$0.53	$0.53	$0.54	$0.54	$0.53	$0.53	$0.53	$0.54	$0.53	$0.53	$0.53	$0.54	$0.53	$0.53	$0.52
Payout Ratio	38.3%	35.1%	34.4%	37.7%	39.7%	38.6%	39.5%	40.8%	45.0%	53.2%	60.5%	69.8%	77.6%	81.7%	72.9%	68.5%	60.8%	54.0%	26.6%	4.4%	4.42%
FCF Payout Ratio	45.5%	36.1%	38.5%	40.0%	31.7%	31.6%	29.9%	30.5%	38.3%	42.0%	52.6%	74.5%	64.6%	59.5%	72.9%	61.3%	50.3%	50.2%	40.6%	33.6%	33.63%
Total Payout Ratio	96.7%	1.2%	1.1%	1.2%	1.0%	84.0%	90.0%	1.1%	1.4%	1.5%	1.6%	1.5%	1.5%	1.7%	1.4%	1.3%	1.2%	54.0%	26.7%	5.4%	5.39%
Div. Increase Streak	1	1	1	1	1	1	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Chowder Number	0.15	0.16	0.17	0.19	0.12	0.07	0.03	0.01	0.01	0.02	-0.01	-0.00	0.00	-0.00	0.01	0.01	0.01	0.01	0.02	0.01	0.011
Buyback Yield	5.3%	8.3%	8.3%	9.0%	7.6%	5.0%	4.9%	8.4%	11.5%	11.4%	7.6%	6.4%	5.3%	5.1%	4.1%	4.8%	4.9%	0.0%	0.0%	0.9%	0.86%
Net Buyback Yield	5.3%	8.3%	8.3%	9.0%	7.6%	5.0%	4.9%	8.4%	11.5%	11.4%	7.6%	6.4%	5.3%	5.1%	4.1%	4.8%	4.9%	0.0%	0.0%	0.9%	0.86%
Total Shareholder Return	8.7%	11.7%	12.0%	13.4%	12.4%	9.3%	8.8%	13.6%	17.1%	17.7%	12.3%	12.3%	11.2%	10.0%	8.9%	9.8%	9.6%	4.6%	4.7%	4.8%	4.75%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.73	0.73	0.73	0.73	0.73	0.72	0.72	0.72	0.72	0.72	0.73	0.73	0.71	0.71	0.74	0.74	0.74	0.74	0.05	0.21	0.206
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.17	1.173
EBIT Margin	0.44	0.49	0.52	0.50	0.48	0.48	0.45	0.41	0.35	0.28	0.23	0.19	0.17	0.15	0.16	0.17	0.19	0.20	0.06	0.07	0.074
Asset Turnover	0.04	0.04	0.03	0.03	0.03	0.03	0.03	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.047
Equity Multiplier	7.29	7.29	7.33	7.33	7.33	7.33	7.65	7.65	7.65	7.65	8.00	8.00	8.00	8.00	8.02	8.02	8.02	8.02	8.19	8.19	8.188

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$1.22	$1.39	$1.48	$1.40	$1.33	$1.36	$1.33	$1.31	$1.19	$1.02	$0.88	$0.76	$0.68	$0.66	$0.73	$0.77	$0.88	$0.99	$0.02	$0.12	$0.12
Book Value/Share	$15.29	$15.55	$15.52	$15.71	$15.86	$16.00	$15.32	$15.61	$15.96	$16.34	$16.35	$16.49	$16.65	$17.02	$17.18	$17.22	$17.53	$17.72	$17.33	$17.28	$17.46
Tangible Book/Share	$14.45	$14.70	$14.66	$14.84	$14.99	$15.11	$14.42	$14.70	$15.02	$15.39	$15.39	$15.53	$15.68	$16.02	$16.18	$16.22	$16.51	$16.69	$17.33	$17.28	$17.28
Revenue/Share	$3.80	$3.87	$3.92	$3.84	$3.80	$3.93	$4.10	$4.43	$4.76	$5.00	$5.16	$5.41	$5.67	$5.99	$6.13	$6.17	$6.37	$6.57	$6.68	$6.66	$6.68
FCF/Share	$1.03	$1.36	$1.32	$1.33	$1.67	$1.67	$1.76	$1.75	$1.40	$1.29	$1.01	$0.71	$0.82	$0.90	$0.73	$0.86	$1.06	$1.07	$1.31	$1.57	$1.57
OCF/Share	$1.08	$1.41	$1.36	$1.36	$1.72	$1.72	$1.82	$1.81	$1.46	$1.34	$1.10	$0.79	$0.88	$0.96	$0.76	$0.89	$1.08	$1.09	$1.35	$1.60	$1.61
Cash/Share	$27.43	$27.89	$27.26	$27.59	$27.86	$28.10	$21.80	$22.21	$22.71	$23.25	$23.96	$24.17	$24.40	$24.95	$30.92	$31.00	$31.55	$31.90	$35.77	$35.68	$0.29
EBITDA/Share	$1.85	$2.09	$2.22	$2.11	$2.02	$2.07	$2.04	$2.00	$1.85	$1.60	$1.41	$1.24	$1.16	$1.13	$1.19	$1.24	$1.38	$1.55	$0.63	$0.64	$0.64
Debt/Share	$12.87	$13.09	$9.68	$9.80	$9.90	$9.98	$14.95	$15.24	$15.58	$15.95	$20.13	$20.31	$20.50	$20.96	$18.52	$18.57	$18.90	$19.12	$24.90	$24.84	$24.84
Net Debt/Share	$-14.56	$-14.80	$-17.57	$-17.79	$-17.96	$-18.12	$-6.84	$-6.97	$-7.13	$-7.30	$-3.83	$-3.86	$-3.90	$-3.99	$-12.39	$-12.43	$-12.65	$-12.79	$-10.87	$-10.84	$-10.84

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	3.153
Altman Z-Prime	snapshot only																				-2.558
Piotroski F-Score	5	8	6	4	5	4	5	6	6	6	6	6	6	6	7	8	9	9	8	8	8
Beneish M-Score	-2.58	-2.47	-2.57	-2.45	-2.44	-2.46	-2.18	-2.11	-2.05	-1.99	-2.19	-2.19	-2.28	-2.29	-2.38	-2.47	-2.51	-2.58	-2.56	-2.70	-2.701
Ohlson O-Score	snapshot only																				-3.951
Net-Net WC	snapshot only																				$-90.66
EVA	snapshot only																				$-21649510.86

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				BB
Credit Score	61.65	64.13	66.02	66.22	65.78	65.53	62.36	62.75	55.66	54.02	54.17	50.76	50.52	48.91	52.53	52.43	56.14	54.30	42.12	40.96	40.959
Credit Grade	snapshot only																				12
Credit Trend	snapshot only																				-11.469
Implied Spread (bps)	snapshot only																				475.000
Industry Credit Rank	snapshot only																				17
Sector Credit Rank	snapshot only																				27

NFBK NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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